IBPS Clerk 2012 2nd Shift

Which of the phrases A, B, C and D given below should replace the phrase given in bold in the following sentences to make the sentence grammatically correct? If the sentence is correct as it is and there is no correction required mark e: i.e. ‘No correction required’ as the answer.

During the recession many companies will be forced to lay oil workers.

He wanted nothing else expecting to sleep after a stressful day at work.

Ramesh took charge of the project, within a few days of having appointed

It is difficult to work with him because he is one of those persons who think he is always right.

Foreign businesses in developing countries have usually problems with lack of infrastructure and rigid laws.

Pick out the most effective word from the given words to fill in the blank in each sentence to make the sentence meaningfully complete.

Read the following passage carefully and answer the questions given below it. Certain words have been printed in bold to help you locate them while answering some of the question.
Political ploys initially hailed as master-strokes often end up as flops. The Rs. 60,000 crore farm loan waiver announced in the budget writes off 100% of overdues of small and marginal farmers holding upto two hectares, and 25% of overdues of larger farmers. While India has enjoyed 8%-9% GDP growth for the past few years, the boom has bypassed many rural areas and farmer distress and suicides have made newspaper headlines. Various attempts to provide relief (employment guarantee scheme, public distribution system) have made little impact, thanks. to huge leakages from the government’s lousy delivery systems. So, many economists think the loan waiver is a worthwhile alternative to provide relief.
However the poorest rural folk are landless labourers, who get neither farm loans nor waivers. Half of the small and marginal farmers get no loans from banks and depend entirely on money-lenders, and will not benefit. Besides, rural India is full of the family holdings rather than individual holdings and family holdings will typically be much larger than two hectares even for dirt-poor farmers, who will, therefore, be denied the 100% waiver. It will thus fail in both economic and political objectives. IRDP loans to the rural poor in the 1980s demonstrated that crooked bank officials demand bribes amounting to one-third the intended benefits. Very few of the intended beneficiaries who merited relief received it. After the last farm loan waiver will Similarly slow down fresh loans to deserving farmers. While overdues to cooperatives may be higher, economist Surjit Shalla says less than 5% of farmer loans to banks are overdue i.e. overdues exist for only 2.25 million out of 90 million farmers. If so, then the 95% who have repaid loans will not benefit. They will be angry at being penalised for honesty.
The budget thus grossly overestimates the number of beneficiaries, It also underestimates the negative effects of the waiver-encouraging willful default in the future and discouraging fresh bank lending for some years. nstead of trying to reach the needy, through a plethora of leaky schemes we should transfer cash directly to the needy using new technology like biometric smart cards, which are now being used in many countries, and mobile phones bank accounts. Then benefits can go directly to phone accounts operable only by those with biometric cards, ending the massive leakages of current schemes.
The political benefits of the loan waiver have also been exaggerated since if only a small fraction of farm families benefit, and many of these have to pay bribes to get the actual benefit, will the waiver really be a massive vote- winner? Members of joint families will feel aggrieved that, despite having less than one hectare per head, their family holding is too large. Lo qualify for the 100% waiver. Alliance ministers, of central or state governments, give away freebies in their last budgets, hoping to win electoral regards, Yet, four-fifth of all incumbent governments are voted out. This shows that beneficiaries of favours are not notably grateful, while those not so favoured may feel aggrieved, and vote for the opposition. That seems to be why election budgets constantly fail to win elections in India and the loan waiver will not change that pattern.

Why do economists feel that loan waivers will benefit farmers in distress?

What message will the loan waiver send to farmers who have repaid loans?

What is the author’s suggestion to provide aid to farmers?

What was the outcome of IRDP loans to the rural poor?

What are the terms of the loan waiver?
(A) One-fourth of the overdue loans of landless labourers will be written off.
(B) The Rs. 60,000 crore loan waiver has been sanctioned for 2.25 million marginal farmers.
(C) Any farmer with between 26 per cent to 100 per cent of their loan repayments overdue will be penalised.

What is the author’s view of the loan waiver?

Which of the following cannot be said about loan waiver?
(A) Small and marginal farmers will benefit the most.
(B) The loan waiver penalizes deserving farmers.
(C) A large percentage i.e.. ninety- five per cent of distressed farmers will benefit.

Which of the following will definitely be an impact of Joan waivers?
(A) Family holdings will be split into individual holdings not exceeding one hectare.
(B) The public distribution system will be revamped.
(C) Opposition will definitely win the election.

What impact will the loan waiver have on banks?

According to the author what is the government’s motive in sanctioning the loan waiver?

Choose the word which is most OPPOSITE in meaning to the word printed in bold as used in the passage.

plethora

Which of the following is the most similiar in meaning to the following word printed in bold in the passage?

merited

Read each sentence to find out whether there is any grammatical error in it.
The error, if any, will be in one part of the sentence. The number of that part is the answer. If there is no error, the answer is e:. (Ignore errors of punctuation, if any)

In the following passage, there are blanks, each of which has been numbered. These numbers are printed below the passage and against each, five words are suggested one of which fits the blank appropriately. Find out the appropriate word in each case.


Mankind has seen rapid (31) in the last 150 years because of the mass manufacturing techniques (32) in western nations and later taken to new levels of efficiency by Japan. Mass production and production for the masses became the bases of new business strategies. Large scale consumption by all with the social benefit of (33) poverty became the dominant economic strategy. The advent of electricity and its large-scale application to lighting, heating and operating machines added a fresh dimension to manufacturing. By the 1950s came (34) in electronics and transistor devices to be followed by innovations in microelectronics, computers and various forms of sensors all of which (35) altered the manufacturing scene. It is now no longer necessary to make prototypes in a factory or a laboratory to study a new product. Many new products can be (36) on computers and their behaviour simulated on them. By choosing an optimum design through such simulations, computer programmes can directly (37) the manufacturing processes. These processes are generally called Computer Aided Design (CAD) and Computer Assisted Manufacturing (CAM). These capabilities are leading to newer forms of (38) by customers. Each customer can be offered several special options. Customised product design or (39) manufacturing are other popular techniques currently in (40) in many developed countries.

For the following questions answer them individually

In an examination, a student scores 6 marks for every correct answer and loses 4 marks for every wrong answer. If he attempted 80 questions and obtained 310 marks, how many questions did he attempted correctly?

The average score of a cricketer in 18 matches was 56.5. If he made 101 runs and 123 runs in 19th and 20th match respectively. What is his new average score in all the twenty matches?

Two types of rice (type 1 and type 2) were mixed in the respective ratio of 1 : 3. The mixture was then sold @ 75.60 per kg to gain a profit of 20%. If the price of type 1 rice is Rs. 75 per kg, what is the price of type 2 price per kg?

Mr. Shah’s monthly income is Rs. 54550. In an entire year, he spends 32% of his annual salaries on groceries, he spend 12% on repairs and 10% he pays to his servant. If half of the remaining amount he invests in fixed deposits, what is the amount invested by him in fixed deposits?

Two pipes A and B can fill a tank in $$3\frac{\text{3}}{\text{7}}$$ hours when opened simultaneously. If B alone can take 2 hours less than A alone takes to fill the tank completely. How much time does A alone take to fill the tank?

A man can row 10.2 km downstream in 18 minutes. If the speed of the stream is 3.5 km/h, how much time he would take to cover 121.5 km upstream? (in hours)

The respective ratio of two numbers is 16 : 21. If the first number is increased by 30% and the second number is decreased by 20%, what will be the respective ratio of the first and the second number?

A bag of fruits was distributed among 4 students P, Q, R and S. P took 3/8th of the fruits. Q took 1/5th of the remaining fruits and the remaining fruits were equally distributed among R and S. What fraction of fruits did R get?

The present population of village P is 2.5 time the present population of village Q. If after a year the population of village Q is 16537 and has been increased at a rate of 15%. What is the present population of village P?

Arunika brought some articles and sold half of them at Rs. 22103 thereby making a profit of 15%/ At what price should sell the rest of them so as to earn an overall profit of 25%?

The height of a triangle is equal to the perimeter of a square whose diagonal is 14.14m and the base of the same triangle is equal to the side of the square whose area is 784 m2. What is the area of the triangle? (in m2)

Arunavo invested total sum of Rs. 16000 in two schemes (A and B) for two years. Scheme A offers compound interest (compounded annually) at the rate of 10% per annum and scheme B offers simple interest at the rate of 12% per annum. If the total interest earned by him from both the schemes after two years is Rs. 3504. How much money (principle) did he invest in scheme B?

Ravi is older than Simar by 4 years. Four years from now, the respective ratio between Ravi’s age and Simar’s age will be 9:8. What will be the Ravi’s age 15 years ago? (in years)

A started a business by investing Rs. 33600. After three month B joined him by investing Rs. 23100. After 3 months of B’s investment, C joined them by investing Rs. 18900. If the total annual profit earned by them is Rs. 26450, what is C’s share of profit?

What will come in place of question mark (?) in the given questions?

Study the table and answer the following questions:

Number of books sold by store P in May is approximately what percent less than the number of books sold by store T in July?

What is the respective ratio between the total number of books sold by store P in April and June together and total number of books sold by store T in May and July together?

If 30% of the total number of books sold by store Q, S and T together in April were Academic books, how many non-academic books were sold by the same stores together in the same month?

What is the difference between total number of books sold by store Q in May and July together and total number of books sold by store in S in March and June together?

For the following questions answer them individually

A train 350 m long takes 36 seconds to cross a man running at a speed of 5 km/h in the direction opposite to that of train. What is the speed of the train?

A person invested some money at the rate of 6% simple interest. At the end of three years, he got Rs. 900 as SI. If interest is put at the rate of compound interest annually, how much more interest would he got in three years?

Raju purchases 550 ml of milk everyday. If cost of 1 litre of milk is Rs. 44, how much amount will he pay in 45 days?

Neha scored 1.2 times as many marks in Science as in Sanskrit and in Social Science, she scored 20 more marks than Science. If she secured 85.5% marks in these three subjects out of a total 600 marks (in the given three subjects only), how much did she score in Social Science?

Each of the questions given below is based on the given diagram. The diagram shows three circles each representing Doctors, Experienced Hospital Employee and Post Graduates.

 

Which of the following represents such people who are Experienced- Hospital Employees but are not doctors?

Which of the following represents such people who are Doctors and Post Graduates but not Experienced- Hospital Employees?

Which of the following represents Experienced-Hospital Employees who are Doctors but are not Post Graduates?

Study the following arrangement carefully and answer the questions given below:
Q S R U I V P J L G N F M T O K E A H D B C

How many such vowels are there in the above arrangement each of which is immediately preceded by a Consonant and also immediately followed by a Vowel?

How many such pairs of alphabets are there in the series of alphabets given in Bold in the above arrangement each of which has as many letters between them (in both forward and backward directions) as they have between them in the English alphabetical series?

On the basis of above series of alphabets DECK is written as BABE and BARS is written as CHSR, then how will JUMP be written?

On the basis of above series of alphabets if PJ is related to GI, EA is related to DO, then NF is related to-

Study the following information carefully and answer the questions given below:

J, K. L, M, N, O, P and Q are sitting around a circular table facing the centre but not necessarily in the same order. O is immediate neighbour of both K and Q. Only one person sits between K and J. L and M are neighbours but are not immediate neighbours of Q. Two persons sit between Mana P. P does not sit to the immediate right of K.

What is the position or P with respect to Q ?

Four of the following five are alike in a certain way and thus form a group. Which is the one that does not belong to that group?

Study the following information to answer the given questions.
In a six storeyed building the ground floor is numbered one, the floor above it is numbered two and so on such that the topmost floor is numbered six. One out of six people viz, A, B, C, D, E and F lives on each floor.
No one lives between C and F. There are two floors between the floors on which A and D live. A lives on floor above the floor on which D lives. E lives on odd numbered floor. B does not live on a floor immediately above or below E’s floor.

In each question below are two statements followed by two conclusions numbered I and II. You have to take the two given statements to be true even if they seem to be at variance from known facts and then decide which of the given conclusions logically commonly follows from the given statements disregarding commonly known facts.
Give answer a: if only conclusion I follows.
Give answer b: if only conclusion II follows.
Give answer c: if either conclusion I or II follows.
Give answer d: if both conclusions I and II follow. 
Give answer e: if neither conclusion I nor II follows.

Statements:
All buses are cars.
Some buses are trucks.
Conclusions:
I. Some buses are definitely not trucks.
II. At least some trucks are cars.

Statements:
No leaf is a root.
All plants are roots.
Conclusions:
I. No leaf is a plant.
II. Some plants are leaves.

Statements:
Some chapters are units.
Some units are topics.
Conclusions:
I. At least some topics are chapters.
II. Some topics are definitely not units.

Statements : All bowls are spoons.
All dishes are bowls.
Conclusions: I. Some spoons are dishes.
II. All spoons are bowls.

Statements:
Some gates are doors.
No gate is window.
Conclusions:
I. No door is window.
II. Some doors are definitely windows.

In these questions relationships between different elements is shown in the statements. These statements are followed by two conclusions.
Mark answer a: if only Conclusion I follows
Mark answer b: if only Conclusion II follows
Mark answer c: if either Conclusion I or II follows
Mark answer d: if neither Conclusion I nor II follows
Mark answer e: if both Conclusions I and II follow

Statement: A $$\leq$$ F $$\geq$$ T = E $$\leq$$ R
Conclusions:
I. A < F
II. R $$\geq$$ F

Statement: R $$\geq$$ I < G $$\leq$$ H >T
Conclusions:
I. T < I
II. H > I

Statement: T = A $$\leq$$ K > E = S
Conclusions:
I. K $$\geq$$ T
II. S < K

Statement: P < O = I $$\leq$$ N > T
Conclusions:
I. P < N
II. O > T

Statement: D > E $$\geq$$ L > A $$\geq$$ Y
Conclusions:
I. Y < D
II. A $$\geq$$ E

Study the following information carefully and answer the questions given below:
Among five friends P, Q, R, S and T each having different height. T is the second tallest. P is taller than only S, R and T are taller than Q. P is taller than S but shorter than Q.

Each of the following questions below consists or a question and two statements numbered I and II given below it. You have to decide whether the data provided in the statements are sufficient to answer the question. Read both the statements and-
Give answer a: If the data in Statement I alone are sufficient to answer the question while the data in / statement II alone are not sufficient to answer the question.
Give answer b: If the data in Statement II alone are sufficient to answer the question while the data in statement I alone are not sufficient to answer the question.
Give answer c: If the data in either Statement I alone or statement II alone are sufficient to answer the question.
Give answer d: If the data in both the Statements I and II together are not sufficient to answer the question.
Give answer e: If the data in both the Statements I and II are together necessary to answer the question.
 

What is the total number of students in Course ‘A’ in College ‘X ?
I. The respective ratio of girls and boys is 2 : 3.
II. The number of students has grown by 5 per cent this year as compared to 4 per cent last year from the number 1000 which it was year before last.

What was the grand total of Falcon Team of College ‘X’?
I. Mayank correctly remembers that Falcon Team scored a grand total of above 82 but below 91.
II. Animesh correctly remembers that Falcon Team scored a grand total of above 77 and below 84.

Which direction is Ajay facing at the moment?
I. After walking 5 metres early morning from point ‘P’, Ajay is facing the opposite direction of the Sun.
II. Ajay took two consecutive right turns after covering a distance of 6 metres to reach the point ‘P’.

How is M related to H?
I. H is the daughter of P and sister of K.
II. S is the son of M and husband of P.

How is ‘healthy’ coded in the language?
I. In that code language ‘eat and drink healthy’ is written as ‘se ta pa me’ and ‘drink hot beverages’ is written as ‘ta nu fa’.
II. In that code language ‘eat hot meal daily’ is written as ‘fa me la du’ and ‘cold and hot’ is written as ‘pa fa ga’.

For the following questions answer them individually

How many such pairs of letters are there in the word FINANCIAL, each of which has as many letters between them in the word as in the English alphabetical series (in both forward and backward directions)?

Cause: The Government has recently increased the taxes on retail items by about 10 per cent. Which of the following can be a possible effect of the above cause?

Statement: Many students died in a collision of their bus and a truck near the school premise because the driver of truck lost his balance owing to high speed of the truck.
Courses of Action:
(A) The Government should immediately cancel the licenses of all the trucks operating in the city.
(B) The Government should prohibit the movement of all the vehicles near the school premise.
(C) The Government should set up a high level task force to suggest measures to prevent such incidents in the future.
A course of action is a step or administrative decision to be taken for improvement, follow-up or further action in regard to the problem, policy etc. On the basis of the information given in the statement, decide which of the suggested courses of action logically follow(s) for pursuing.

Study the following information carefully and answer the questions given below:
The Government has decided to continue providing subsidy to consumers for cooking gas for three more years. This is not good news from the point of view of reining in the fiscal deficit. Mounting subvention for subsidies means diversion of savings by the government from investment to consumption, raising the cost of capital in the process. The Government must cut expenditure on subsidies to create more fiscal space for investments in both physical and social infrastructure. It should outline a plan for comprehensive reform in major subsidies including petroleum, food and fertilizers and set a final deadline.

Which of the following is a Conclusion which can be drawn from the facts stated in the above paragraph?

Which of the following is an assumption which is implicit in the facts stated in the above paragraph?

For the following questions answer them individually

Which of the following is not correct regarding the JICA President Award?

Who among the following was never the Governor of Reserve Bank of India?

Which one of the following is correct regarding the Note Issuing Authority of the Reserve Bank of India?

Which of the following Is not correct regarding the National Integration Day?

In banking, a Pay in Slip-

Who among the following has authored the book, titled “Saga of Struggle and Sacrifice”?

A unique function of the bank is to crate credit. Which of the following factors do not determine the credit creation power of banks?

For which of the following debt instruments, not having a fixed rate of interest over the life of the instrument, can 'Floating Interest Rate' be applied ?

Which of the following is not correct regarding SMS Banking?

In banking, Mobile Banking refers to the performance of which of the following services through a mobile device?

Which among the following subsidiaries of the State Bank of India, which were nationalized in 1960, has now been merged with SBI?

The Goods and Services Tax (GST) is to be implemented in India. Which of the following taxes will not be replaced by It?

Service Tax act/Rules in India has provided exemption to small scale service providers from service tax up to aggregate value of taxable’ services provided up to ‘how much in a Financial Year?

Which of the following does not aptly describe Demat Account in India?

The Securities and Exchange Board of India (SEBI) has introduced a new type of Demat Account called “Basic Services De-mat Account (BSDA). Which of the following is one of its features?

Which of the following is not one of the major charges usually levied on a Demat account?

Who among the following has authored the famous novel titled ‘Joseph Anton’?

Which of the following are the essential facilities/benefits provided by a Demat account to an individual to trade the securities in the stock market?

Which one of the following can be described as a secondary function of commercial banks in India?

The balance sheet of a bank comprises of two sides; the assets side and the liabilities side. Which one of the following items comes under the side of ‘Assets’?

In the reshuffle of Union Council of Ministers, undertaken by Prime Manmohan Singh in October 2012, who among the following is a Cabinet Minister (excluding Ministers of State and Ministers of Stare with Independent Charge)?

The first ever India Biodiversity Awards were presented in October 2012. In which of the following categories were these awards not given?

Which of the following Central Armed Police Forces of India has recently celebrated its golden jubilee?

Which of the following is not correct regarding ‘cheque’ in banking?

Which of the following does not aptly describe a Demand Draft in India?

India has taken a pledge towards strengthening the institutional mechanism for biodiversity conservation in the country with a sum of $ 10 million announced by Prime Minister Manmohan Singh in this regard. The name of this pledge is

Which of the following is not a technique/tool/Instrument of money/credit control by the Reserve Bank of India?

Which of the following is a type of indirect security?

Europe recently produced the greatest comeback in Ryder Cup to retain the trophy. With which sports is the Ryder Cup associated?

The Cheque was first introduced in India by which of the following banks?

United Nations secretary general Ban Ki-Moon has announced that every year 10 November will be celebrated as

Which of the following is a quantitative credit control policy of the Reserve Bank of India?

What is the term for inflation when the general price level increases at the rate of about 5-6 per cent per annum?

Which of the following cannot be termed as ‘non-traditional’ functions of a commercial bank in India?

Who among the following is a Deputy Governor of the Reserve Bank of India?

Which Union Budget first announced the introduction of the Goods and Services Tax (GST) from April 1, 2010?

The National Capital Region (NCR) in India is a name for the conurbation or metropolitan area which encompasses the entire Delhi as well as urban areas around it in neighbouring states. Which of the following is not that neighbouring state?

Which one of the following banks was nationalized in the second wave of nationalization in 1980?

The system unit—

In Word you can force a page break —

Which part of the computer is directly involved in executing the instructions of the computer program?

In order to create column data in Word you need to

When the computer is switched on. the booting process performs the

How many margins are on a page?

Language used in a computer that is similar to the languages of humans and is easy to understand is referred to as

Which of the following should be used to move a paragraph from one place to another in a Word document?

A computer programmer—

A cookie ______

Which of the following is not true about an assembler?

In Excel this is a prerecorded formula that provides a shortcut for complex calculations -

In word, when you indent a paragraph, you-

The operation of combining two cells into a single cell in Excel is referred to as

What do you see when you click the right mouse button?

In order to delete a sentence from a document you would use __

When machine instructions are being executed by a computer the instruction phase followed by the execution phase is referred to as __

Which of the following refers to the process of a computer receiving information from a server on the Internet?

User can use ______ commands to search for and correct words in a document.

Which of the following will be used if a sender of e-mail wants to bold, italics etc. the text message?

Which of the following justification align the text on both the sides-left and right -of margin?

Which of the following characteristics is used to compute dynamically the results from Excel data?

What is included in an e-mail address?

In Power Point the Header & Footer button can be found on the Insert tab in what group?

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